Send the request to your mortgage loan servicer's customer service address, located on your statement. If you're writing to a National Association bank, you can cc: its address with the Federal Reserve System. For non-bank mortgage loan servicers, you may also cc: the entity's registered agent by searching your state's business registry.

Please take action in response to the following RESPA qualified written requests:

1. I believe my first mortgage account servicing is in error because... Please review the following documents evidencing the servicing error... Please respond with specific information about your investigation of the servicing error, including...

Actual Damages

Actual damages may also include emotional harms like stress, anxiety, and frustration.

The November 26, 2013 Marais v. Chase opinion by the Sixth Circuit Court of Appeals clarifies the types of damages available to consumers resulting from RESPA violations. The opinion makes clear consumers should plead damages with as much specificity as possible when drafting a small claim or lawsuit complaint.

Statutory Damages

Courts may award statutory damages of up to $2,000, in addition to actual damages, in cases of patterns or practices of non-compliance with RESPA.

un·der·dog

noun

1. a competitor expected to lose in a fight.

2. a person with little status in society.

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